Whether you are just starting to save for your retirement or if you have been saving for 20 years, January is a great time to make the little adjustments that can make a big difference in your retirement.

You’ve been planning your retirement for years: what you’re going to do, where you’re going to live, and how you’re going to pay for it. But knowing when it is time to retire can still be a very difficult decision. Here are a few questions to answer to help you decide if you are financially prepared to retire.

For many, the dream of a relaxing retirement is lost because of a lack of savings and unexpected costs in retirement. That doesn’t have to the case if you prepare ahead of time with a conservative plan and start saving early for your retirement. Your relaxing retirement can be a reality.

Planning for your retirement is not an exact science and there are so many ways that your plan can get off track that it can be paralyzing. Knowing why your plan gets off track is the first step in having a better chance of reaching your retirement goals.

Are you behind where you want to be with your retirement savings? If you are like many people, your retirement savings might need a boost. Fortunately, there are ways get your retirement back on track. It all starts with knowing where you are and where you hope to go.

For most consumers there has to be a decision on whether to build your retirement savings or to build a college fund for your children. This is a very tough decision and one that can be emotionally charged. The best way to answer which should be a priority is to take the emotion out of the question and look at it as a pure financial dilemma.